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Personal Savings

We have options to meet you where you are and carry you into the future.

A wise man once said saving money is great, but growing money is better. Which is exactly why our personal savings options are built to serve two purposes; security and growth.

Whether you're aiming to build up your emergency funds, or kick-start good financial habits, we have a variety of savings options to achieve your goals. And with a Vast Bank savings account, you'll get the competitive rates you demand and the personal service you deserve.

Secure accounts that grow your money.

   
     

Certificates of Deposits (CDs) help you save for both short and long term goals. 

  Personal Savings Platinum Savings Money Market
Minimum to Open $100 $500 $1000
Monthly Maintenance Fee $2 $0 $10
Minimum Daily to Waive Maintenance Fee $100 N/A $1000
Free Monthly Withdrawals 2 2 6
Excessive Withdrawal Fee $1 per $10 per $5 per
Statements Quarterly Quarterly Monthly

1 Monthly maintenance fee can be avoided if you maintain an average daily collected balance of $100 in PERSONAL SAVINGS OR minimum balance of $1,000 in MONEY MARKET. Fees can reduce earnings.

2 Fees will be assessed if maximum number of withdrawals is exceeded: $1 per excessive withdrawal for PERSONAL SAVINGS, $5 per excessive withdrawal for MONEY MARKET OR $10 per excessive withdrawal for PLATINUM SAVINGS.

Platinum Savings:
*The APY (Annual Percentage Yield) is accurate as of May 8, 2025, and is subject to change, without notice. Fees may reduce earnings. Please see fee schedule for more details. Minimum deposit to open is $100, no minimum balance required after initial opening deposit to obtain APY. Transactions may take one or more banking days from the date of transaction to post to and settle. Maximum of two (2) withdrawals per month. A $10 fee will be assessed per excessive withdrawal, per month.  Covered by FDIC insurance up to the maximum allowed by law. 

** APY = Annual Percentage Yield. Rates may change after account is opened. Qualifying transactions must post to and settle account during monthly qualification cycle. Account fees could reduce earnings. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. Transfers between accounts do not count as qualifying transactions. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Limit two accounts per tax ID.